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What I'm getting at is that you would stop contributing to a 401k after contributing the amount the employer will match and then move on to a Roth IRA. I don't mean to just stop cold. It's a matter of priortising your contributions. Assuming one has a limited amount they can afford to contribute each year, one could argue the order of priority might look something like this:

1. 401k up to the employer matching amount because that's FREE money.
2. Roth IRA because it is cheaper and has more investment options than a 401k.
3. Back to the 401k to maximize that.
4. Etc.

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